Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,440

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Rise DelmarOchsner

Professional ,sympathetic prompt in payment

I was overwhelmed emotionally and financially by my dogs sudden catastrophic illness. Embrace answered the phone, all questions and put no impediments in his immediate treatment. They have paid exactly what they are supposed to pay and by direct deposit making it all seem much easier. I am impressed and thrilled with this company.
5

out of 5

POSTED: | BY: Heather

Excellent Service

Once again Embrace has come through for me. My poor 6 year old lab Sammy tore his left ACL last May and his right ACL a few weeks ago. Both required major surgery, which is incredibly stressful. But the Embrace claims process is so easy, and the customer service representatives are wonderful. I do not know how Sammy and I would have made it without Embrace. I recommend Embrace to all my pet-owner friends and family.
5

out of 5

POSTED: | BY: LUANNE CARTER

Great Customer Service and communication

Thank you for your prompt and outstanding means of communication. I am very pleased with the service you provide
4

out of 5

POSTED: | BY: Erica Johnson

Better!

I appreciate the timely response on this claim. I feel that if the vet says the dog needs to eat a certain food for a few days and I then have to buy it from the vet, it should be covered. It was part of the treatment, like the antibiotic I also had to buy and was covered.
5

out of 5

POSTED: | BY: Robin Martino

Timely reimbursements and follow through!

I have been in Embrace customer for three years now. Embrace has always offered timely reimbursements with superior customer service and follow through! I recommend this insurance to all pet owners!
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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